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The Mortgage Store - Sanjay Sinhal

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The Mortgage Store - Sanjay Sinhal

As a dedicated and knowledgeable mortgage broker, I’m passionate about helping individuals and families achieve their dream of homeownership.

Friendly, professional mortgage advice – making your journey smooth, simple, and stress-free 🏡

Supporting clients nationwide with expert guidance.

📞 07792 190 999
📧 [email protected] I pride myself on providing a personalised and approachable service, offering simple and straightforward advice to guide you through every step of the process. My goal is to ensure clarity, confidence

, and access to competitive mortgage rates tailored to your unique needs. I offer flexible options to fit your schedule, including face-to-face meetings locally or remote consultations via phone or video call – whatever works best for you. Whether you’re a first-time buyer, moving to a new home, looking to remortgage, or exploring investment opportunities, get in touch today to see how I can help you save money and secure the perfect mortgage deal for your needs.

01/06/2026

𝗙𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗯𝘂𝘆𝗲𝗿 𝗺𝗮𝗿𝗸𝗲𝘁 – 𝗺𝗼𝗺𝗲𝗻𝘁𝘂𝗺 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴

There are clear signs of renewed momentum in the first-time buyer (FTB) segment:

• Buyers are increasingly targeting higher-value homes, despite wider uncertainty
• Lenders are responding with:
- Higher LTV products
- Increased income multiples
- More flexible criteria

Recent mortgage product developments highlight this shift:

• Perenna have recently confirmed 95% LTV lending for new builds, with
• Across the market, lenders are also re-expanding lending at the top end of affordability. Notably, Natwest recently increased their Loan-to-Income multiple to 6.5 x income for those earning over £150k pa.

𝗠𝗮𝗿𝗸𝗲𝘁 𝗯𝗮𝗰𝗸𝗱𝗿𝗼𝗽 – 𝗰𝗮𝘂𝘁𝗶𝗼𝘂𝘀 𝗯𝘂𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗶𝗻𝗴

Activity across the housing market continues to show mixed signals, but the overall picture remains one of gradual recovery rather than slowdown.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 – 𝘀𝗶𝗴𝗻𝘀 𝗼𝗳 𝘀𝘁𝗮𝗯𝗶𝗹𝗶𝘀𝗮𝘁𝗶𝗼𝗻

Encouragingly, we are continuing to see early signs of easing in mortgage pricing:

• A number of lenders have reduced rates in recent weeks.
• Moneyfacts data shows average fixed rates edging lower as lenders compete for business, particularly in higher loan-to-value segments.
• Product numbers are improving, reflecting increased lender confidence and appetite.

What this means for buyers and sellers:

• Improved pricing is supporting affordability at the margins.
• More choice at higher loan-to-value levels is helping unlock first-time buyer demand.

𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 – 𝗠𝗣𝗖 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 (𝟭𝟴 𝗝𝘂𝗻𝗲)

The next Bank of England MPC decision on 18 June is a key watchpoint.

Current expectations

• The base rate is currently 3.75% and expected to be held in June by many commentators.
• Markets are relatively divided on the direction over the rest of the year.
• Pricing suggests only a low probability of an immediate change at the June meeting.

Key factors influencing the decision

• Inflation outlook, particularly energy prices and global events
• Economic stability and political backdrop
• Labour market resilience and consumer spending

There is increasing commentary that inflation risks may still push rates higher later in the year, even if June remains stable.

𝗜𝗺𝗽𝗮𝗰𝘁 𝗼𝗻 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀

• Mortgage rates are already influenced by future expectations (swap rates), not just base rate movements
• Even without a rate change in June:
- Rates could continue to drift slightly down if inflation expectations calm
- Or plateau / increase again if markets price in future rate rises
- It is still more likely we see stability than a sharp downward cycle in the immediate to near future.

𝗚𝗼𝘁 𝗮𝗻𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀? 𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵! 🏡

🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

31/05/2026

Thinking of Moving Home? 🏡

When most people start looking at properties, they focus on one thing:

“Can I afford the mortgage payment?”

But there are several other costs that are worth considering before making an offer:

• Solicitor fees
• Survey costs
• Stamp Duty (where applicable)
• Removal expenses
• Initial furniture and decorating costs
• Emergency savings for unexpected repairs

A little planning now can make the whole process much less stressful later.

If you’re considering moving home this year and would like to understand the full costs involved, I’m always happy to have a chat and help you prepare.

Get expert mortgage advice.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

17/05/2026

⭐⭐⭐⭐⭐ Another brilliant client review!

Not every mortgage case is straightforward which is why we take the time to explain everything clearly and support our clients every step of the way.

Thank you, Coleen, for your lovely feedback and for trusting us to help secure your mortgage 😊

If you’re after friendly, expert mortgage advice, we’re here to help.

Get expert mortgage advice.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

05/05/2026

Another 5⭐ review from a happy first-time buyer!

“Clear, detailed and confidence-building” - exactly how getting a mortgage should feel. 😊

If you're thinking about buying your first home but not sure where to start, I’ll guide you through it step by step - with clear advice and no jargon.

Get expert mortgage advice.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

02/05/2026

🏡 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?

Buy to let mortgages can be a great way to build long-term wealth but it’s important to get the right deal (and understanding the rules).

Whether you’re:
• Buying your first rental
• Expanding your portfolio
• Switching to a better rate

I can help you:
• Understand how much you can borrow
• Find lenders that suit your situation
• Secure competitive rates

The buy to let market has changed a lot in recent years - what worked before might not be the best option now.

𝗚𝗲𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗱𝘃𝗶𝗰𝗲.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

27/04/2026

🏦 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝘁 𝗮𝗻𝗱 𝗼𝗽𝗲𝗻 𝗳𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀

Despite global uncertainty, April housing data shows the market has held up better than expected. Asking prices edged up this month (0.8%) and sales activity is only marginally (3%) behind seasonal norms, a resilience that matters because lender confidence, funding availability and mortgage pipelines remain intact.

This continues to support smoother journeys from reservation through to exchange, with fewer last‑minute surprises.

📃 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗿𝗲𝗺𝗮𝗶𝗻𝘀 𝘀𝘂𝗽𝗽𝗼𝗿𝘁𝗲𝗱

One of the quieter positives is that buyer affordability has improved year‑on‑year. Earnings growth continues to outpace inflation on a real‑terms basis, and previous changes to lending rules mean some buyers can now borrow more than they could last year.

That reassurance often makes the difference in new‑build conversations where affordability concerns, rather than desire, are the sticking point.

📈 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻: 𝗵𝗶𝗴𝗵𝗲𝗿, 𝗯𝘂𝘁 𝗳𝗼𝗿 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿 𝗿𝗲𝗮𝘀𝗼𝗻𝘀

You’ll have seen inflation tick up again in the March figures (now 3.3%). Importantly, this was overwhelmingly driven by fuel and energy costs linked to global events – not domestic demand overheating.

Underlying inflation pressures continue to ease, which is why the expectation remains that policymakers will treat this as a temporary spike rather than something that fundamentally changes the interest‑rate outlook.

👷 𝗘𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁: 𝘀𝘁𝗲𝗮𝗱𝘆 𝗳𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻𝘀

Employment data released earlier this week shows a stable labour market. While hiring appetite has softened, unemployment remains low and wages continue to grow in real terms. That income stability is a critical underpinning for mortgage affordability – and a key reason lenders remain engaged rather than withdrawing.

✅ 𝗪𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻𝘀 𝗶𝗻 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗲

Pulling everything together, the message is consistent:

• Mortgage finance remains available
• Affordability is better than it was a year ago
• Demand hasn’t gone – it’s more considered
• Inflation pressure looks short‑term rather than structural
• Confidence can return quickly once volatility eases

The market still has challenges but it’s clear the core mechanics supporting home buying are still working.

𝗚𝗼𝘁 𝗮𝗻𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀? 𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵! 🏡

🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

19/04/2026

Incredibly proud to hit 5️⃣0️⃣ five-star Google reviews! 🤩

It reflects the trust so many of you have placed in me to help with one of the biggest financial decisions in your lives.

From first-time buyers to remortgages and everything in between, it’s been a privilege to support so many of you along the way.

Thank you to every single client who has supported the business, recommended me, and taken the time to leave a review – it genuinely means a lot. 😊

Here’s to continuing to grow, helping even more people, and delivering the same honest, straightforward advice!

If you’re reviewing your mortgage or want expert guidance on your options, feel free to get in touch.

Get expert mortgage advice.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

13/04/2026

🏦 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝘁 𝗮𝗻𝗱 𝗼𝗽𝗲𝗻 𝗳𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀

One of the more encouraging developments this week is evidence that UK financial services activity has rebounded strongly, with banks and lenders reporting their fastest improvement in activity for decades.

Why this matters:

* Lenders are feeling more confident, not less
* Mortgage availability is holding up
* Funding pipelines remain open

In practical terms, this supports continued mortgage approvals, fewer last‑minute surprises, and smoother progress from reservation to exchange.

📃 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗳𝗶𝗿𝗺𝗹𝘆 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲 𝗳𝗼𝗿 𝗯𝘂𝘆𝗲𝗿𝘀

At a national level, the mortgage safety net remains firmly in place. The Mortgage Charter has been reaffirmed, ensuring buyers can:

* Secure new rates up to six months ahead
* Switch deals with their existing lender without fresh affordability checks
* Access short‑term breathing space if needed, without damaging their credit profile

This is really helpful reassurance for buyers who are hesitating due to interest‑rate headlines. Many are far better protected than they realise. Affordability has also remained strong, with income multiples and affordability stress-testing remaining unaffected by recent headline-rate volatility.

🏠 𝗨𝗻𝗱𝗲𝗿𝗹𝘆𝗶𝗻𝗴 𝗯𝘂𝘆𝗲𝗿 𝗱𝗲𝗺𝗮𝗻𝗱 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝘁𝗵𝗲𝗿𝗲

Despite ongoing geopolitical uncertainty, UK house prices rose in February, even if March delivered understandably more hesitant numbers, which is a quiet but important signal that demand is still present.

This matters because price stability:

* Supports buyer confidence
* Reduces valuation risk
* Encourages lenders to stay engaged

In other words, the market hasn’t “fallen away” – It’s adjusting, not disappearing.

🔐 𝗖𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 𝗯𝘂𝗶𝗹𝗱𝘀 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲 𝘀𝘆𝘀𝘁𝗲𝗺 𝗳𝗲𝗲𝗹𝘀 𝘀𝗮𝗳𝗲

The industry has also stepped-up action on fraud prevention and consumer protection, helping reinforce trust in banks and financial services generally.

While this sits in the background, it plays a big part in buyer psychology. When customers trust the system, they’re more comfortable making long‑term commitments, including reserving a new home.

📌 𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗶𝘀 𝘂𝘀𝗲𝗳𝘂𝗹 𝗳𝗼𝗿 𝗮𝗹𝗹

Pulling all this together, the takeaway is simple:

* Mortgage finance remains available
* Buyers are more protected than they think
* Price stability is holding
* Confidence can return quickly once headlines calm

For many people, the decision isn’t about can they buy, it’s about reassurance. These developments give solid ground when answering the inevitable questions around timing, rates, and “what if things change again?”

The market still has challenges – no one’s pretending otherwise – but this is a good reminder that the core mechanics that keep the market moving is still very much working.

Here’s to a more positive note!

𝗚𝗼𝘁 𝗮𝗻𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀? 𝗚𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵! 🏡

🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

10/04/2026

How much can you actually borrow for a mortgage? 🤔

It’s one of the first questions everyone asks…
But the answer isn’t as simple as a quick Google search.

Most lenders will 𝙩𝙮𝙥𝙞𝙘𝙖𝙡𝙡𝙮 offer around 4–4.5x your income
…but that’s only part of the story.

Your borrowing can be affected by:
• Monthly commitments (loans, credit cards, car finance)
• Number of dependents
• Your credit history
• Deposit size
• Type of income (employed, self-employed, bonuses, etc.)

Two people on the same salary can get 𝘃𝗲𝗿𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗿𝗲𝘀𝘂𝗹𝘁𝘀.

👉 And here’s something a lot of people don’t realise…
By using a mortgage broker, you may be able to access lenders who offer 𝗵𝗶𝗴𝗵𝗲𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲𝘀 or assess your income more flexibly - potentially increasing how much you can borrow.

That’s why it’s so important to get the right advice before you start house hunting.

Want to know how much YOU could borrow?

𝗚𝗲𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗱𝘃𝗶𝗰𝗲.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

02/04/2026

“Not only an excellent mortgage broker, but a really good human being.”

Comments like this genuinely mean a lot! 💙🧡

Buying a home can be stressful enough on its own, so when clients put their trust in me, I always try to be there properly and help however I can from start to finish.

To hear that I “went over and above” and gave my time and support when it was needed most really does mean a great deal.

Thank you, Javed, for your kind words and for trusting me to help with such an important step. ⭐⭐⭐⭐⭐

Get expert mortgage advice.
🌐 the-mortgagestoreleicester.co.uk
📞 07792 190 999
📧 [email protected]

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Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 5pm
Sunday	10am - 5pm

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http://the-mortgagestoreleicester.co.uk/

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